To be fed up of having no money?

[financiallyembaressed]

Regular on a name change. We literally are living off credit cards from day 10 after payday. We are up to our limit on our cards apart from one that will be soon. I don't know what we are going to do. Tips appreciated.

Dh works ft. I am a sahm looking for work but with 4dcs it's tough. I also have health problems and depression.

Feels like we are stuck.

op, it would probably be better to ask them that direct, if it would have a negative effect on your dh's job

I would imagine full time work with 4 dc may not make financial sense. Working around partners shifts would probably be better.
Good luck op.

Unfortunately yes OP as in the process of putting the plan in place you have to offer the creditors a token payment which means they often serve default notices in the interim period as the full minimum payment is not received. However, after 6 years these are all wiped from your record. Its a pain as it may mean you can't get any more credit but that's a good thing I think. I would really recommend going with Step Change as uts free and they help you so much, its like a weight off your shoulders honestly x